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Leer artículo →📍 YR Seguros · YR Insurance Services · Florida
Life insurance in Florida · Protect your family
YR Insurance Services Florida — Tu Agencia de Seguro de Vida en Español
Term Life, Whole Life, IUL, Final Expense. No medical exam required for some plans. We'll put your and your family's mind at ease.
- IUL
- Without exam (some)
- Term + IUL + Whole
- Final Expense available
★★★★★4.9 / 5.0 · 1,690 Google reviews
Get a quote for your life insurance in Florida
Free · No commitment · No exam for some
Start a free quote →🔒 Secure data · We never share it
Coverage for every stage of your life
What kind of life insurance do you need?
⏳
Term Life (10/20/30 years)
The most economical option. Large coverage ($250K–$1M) for a fixed term. Ideal while your mortgage is active or your children are young. At 30.
Most popular♾️
Whole Life — Permanent Life Insurance in Florida
Lifetime coverage + accumulates "cash value" that you can use later. More expensive than term coverage, but it never expires. Good for legacy planning.
Life📈
IUL — Florida Life Insurance with Indexed Investment
Permanent coverage + growth tied to the S&P 500 (with a floor). To build wealth and protect your family. Used by many Hispanics for "savings + insurance".
Premium🌹
Final Expense
For final expenses (burial, debts). Small coverage ($10K–$25K), without medical exam...up to 85 years of age.
No exam🏠
Mortgage Protection
Term Life tied to your mortgage balance. If you pass the test, it pays off the house. Ideal when you're a new homeowner. It decreases along with your loan balance.
For mortgage👥
Group Life (Employees)
Are you a small business owner? Employee benefits, business tax deductible, high loyalty. We insure from 2 employees.
B2B"I left my family in peace because $35/month."
— YR Customer · Term Life in Florida · ★★★★★ Google review
Why Florida families choose YR
3
main types (Term Whole IUL)
No
Medical exam for many plans
12+
life insurance companies we compare
1,690
5★ Google reviews
Frequently Asked Questions
Life insurance in Florida — the most frequently asked question
Can I get life insurance if I am an immigrant or do not have a green card?
Yeah. We have options for all immigration situationsPermanent residents (green card), TPS, asylum, parole, work permit, F-1 visa (students), H-1B visa, and even people with ITINThe companies that work most with immigrants are Mutual of Omaha, Foresters Financial, AIG, and some regional insurers. Each profile has better rates with different insurers—we compare 12+ for your situation.
How much does life insurance cost in Florida?
For a healthy, non-smoking, 35-year-old man: The cost after 20 years depends on your profile. For a woman with the same profile: The cost increases with age. We provide free quotes based on your age, health, and desired amount.
Do I need to have medical tests done?
Not necessarily. There are plans. "No Medical Exam Life" For coverage up to [amount missing], only a health questionnaire is required. For higher coverages ($1M+), a check-up is required (paid by the insurer).
Can you tell me if I have diabetes or hypertension?
Yes — we work with "high-risk" companies specializing in pre-existing conditions. The premium goes up a bit, but you're insured. They also don't reject people for moderate overweight.
Does my life insurance cover suicide?
After the first 2 years Yes, in Florida. It's the standard "suicide clause." Before the two-year mark, they pay the premium paid but not the full benefit.
What happens if I stop paying?
For Term: your coverage ends (without penalty). For Whole/IUL: you can use the cash value to "self-pay" for a period of time, make a policy loan, or cancel and withdraw the cash. We'll explain this to you before you sign.
Can I insure my parents in Cuba/Colombia/Venezuela?
Generally, no. Most policies require legal residence in the USAExceptions: valid visitor visa + property ownership in the USA. Case by case.
Ready to protect your family?
Free quote · No exam required for some plans · Support in Spanish
OFFICIAL AGENCY
YR Insurance Services Florida
YR Insurance Services is your bilingual agency specializing in life insurance in Florida Since 2012, we've compared policies from MetLife, Mutual of Omaha, AIG, Lincoln Financial, and Pacific Life to find you the best deal. Florida life insurance more economical — Term Life 10/20/30 year, Whole Life, IUL and Final Expense coverages.
Our agency YR Insurance Services Florida She has 14 years of experience helping Hispanic families understand insurance policies. life insurance in Florida No fine print. Get a quote for your Florida life insurance today and receive a response within 24 hours.
14 years in Florida+1,690 reviews 5.0Bilingual ES/EN
Life insurance in Florida: term, whole and final expense
EN YR Insurance Services We help you choose the life insurance in Florida The right one for your stage of life: term life, whole life, IUL, and final expense (funeral insurance). Protect your Hispanic family without overpaying—we compare over 100 Spanish-language companies, many without a medical exam.
Term life or whole life?
It depends on your age, budget, and goal. We explain it clearly in our Term vs. Whole Life Guide for Hispanic Parents in Florida.
What is final expense or funeral insurance?
It's a small, permanent life insurance policy to cover funeral expenses and final debts. It's usually approved quickly and often without a medical exam—ideal for seniors.
Can I get life insurance without a medical exam?
Yes. Several companies offer no-exam policies. We'll tell you which ones accept your situation and at the best price.
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Check out our guides on Term Life, Whole Life, coverage amounts, beneficiaries, and everything you need to financially protect your family in Florida.
Vida · YR Insurance Services
Life insurance: term, universal and final expense
We compare over 100 insurance companies in Florida and find you the best deal. No tricks, no fine print.
Fixed Term
Coverage for 10-30 years. The most economical option to protect your family.
Permanent (Whole Life)
Lifetime coverage + cash value. No medical exam required for ages 50-85.
Universal (IUL)
Permanent coverage with cash value indexed to the S&P 500. Grows with the market without losses.
Single Parents
Special plan for ages 10-35 to guarantee university enrollment in case of premature death.
Mortgage
Cover your mortgage balance so your family doesn't lose their home.
Retirement
Cash value that you can withdraw tax-free in retirement.
Final Expense
Coverage of $5K-25K for final expenses. No medical exam, immediate approval.
Family Income
A plan that pays your family monthly (vs. a single payment).
Businessmen
Key person + buy-sell + executive bonus for business protection.
We work with the best insurance companies
CignaAetnaUnited HealthcareMutual of OmahaAIGPrudentialNew York LifeTransAmerica